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Cancellation service #1 in Canada
STC (Securities Training Corporation) is a U.S.-based provider of securities exam preparation and study materials, offering online courses, livestream and classroom classes, practice exams and physical textbooks aimed at professional licensing exams. Their publicly stated policies (refunds, returns, timelines) are written for U.S. customers and do not explicitly reference Canada-specific consumer rules.
When a cancellation is accepted, access to online course content is usually revoked according to STC’s terms (if a course has been accessed, no refund may be allowed). For scheduled livestream or classroom classes, cancellation before the applicable deadline typically prevents enrollment and may trigger a refund according to their rules. Returning physical materials and receiving any credit can depend on timely RMA authorization and condition of the items. Ongoing auto-renewals (if any) will stop only after cancellation is processed; keep confirmation in writing. STC’s policy text does not explicitly describe data retention or account deletion timelines for Canadian customers, so request confirmation if you need accounts or personal data removed.
STC’s posted rules (U.S. policy) state a 30-day window from purchase date to request a refund for online courses, but if the course is accessed it becomes non-refundable. Livestream and classroom courses are refundable only if you request cancellation at least three (3) days before the class start date; there is no refund for no-shows or if you have attended/viewed the course. Textbooks and shipping are normally non-refundable; package refunds that include a physical book may incur a US$50 fee. Physical study materials must be returned within 7 business days with an RMA to be eligible for a refund - eligibility must be confirmed by STC. These rules are from STC’s published policy: see the STC refund policy at stcusa.com/refund-policy and the FAQs at stcusa.com/stcusa-faqs.
| Product / Plan | Price (CAD) | Notes |
|---|---|---|
| Online courses | Varies | STC lists USD pricing; no Canada-specific CAD pricing was found publicly for 2024/2025. |
| Livestream / Classroom | Varies | In-person and livestream offerings are priced in USD on STC site. |
| Physical textbooks / packages | Varies | Physical materials and shipping are subject to separate non-refundable terms and possible fees. |
| App-store subscription | Varies | No evidence of STC offering paid subscriptions through Apple App Store or Google Play; app listings appear free. |
There is no public indication that STC’s published U.S.-focused refund and return rules incorporate Canadian statutory consumer protections. Canadian consumer protections vary by province and by the type of purchase (digital content versus physical goods). There is not a single national “14‑day cooling-off” rule that automatically applies to all online digital purchases in Canada - rights depend on provincial law and the specific transaction. If you believe your statutory consumer rights in Canada have been breached, consider contacting your provincial consumer protection office, your payment card issuer for a potential chargeback within your issuer’s time limits, or seek local legal advice. For general federal consumer information see Government of Canada - Consumer Affairs. Always retain receipts, timestamps, and any written communications with STC to support any dispute or claim.
User reviews are mixed. Some customers reported good outcomes for specific exam prep - positive comments highlight useful lectures, extensive practice tests and diagnostic tools that helped for exams such as the Series 27 (Trustpilot). Conversely, other users criticized some study materials (for example, Series 7) as overly dense or not well-structured for learners without prior experience; pre-recorded videos and PDFs were described as less effective compared with some competitors and some users found videos too long or meandering. These experiences indicate quality can vary by course and learner preference.
One common mistake is waiting too long to request a cancellation or refund. STC’s windows (30 days for online purchases, 3 days before class for livestream/classroom, 7 business days for authorized returns) are time-limited; missing deadlines can forfeit refund eligibility. Another frequent error is returning physical materials without first obtaining an RMA - returns sent without authorization may be refused and not refunded. Users sometimes assume app-store cancellation routes apply to STC purchases; STC does not appear to offer app-store-based subscriptions, so canceling in an app store may not affect an STC website purchase. Finally, failing to keep documentation (receipts, emails, tracking info) makes disputes much harder to resolve - always keep records.
| Method | Refund | Difficulty |
|---|---|---|
| Online purchase via STC website | Possible within 30 days; non-refundable if course accessed | Medium - requires timely request and proof of non-access |
| Livestream / Classroom | Refund only if requested ≥3 days before start | Medium - time-sensitive and depends on STC confirmation |
| Physical materials return | Eligible only with RMA within 7 business days; may incur fees | Medium - High - requires RMA, shipping and evidence of condition |
| App Store / Google Play subscription | STC does not appear to use app-store subscriptions; if a purchase was via the app store, refund depends on Apple/Google policies | Medium - must follow app store procedures or contact store support |
After you cancel, obtain and save written confirmation from STC that the cancellation and any refund (or denial) have been processed. If you returned items, retain shipment tracking and proof of delivery. If a refund is denied but you believe you meet the published policy, escalate with STC customer service and provide the documentation checklist items cited above. If unresolved, contact your payment card issuer to enquire about dispute/chargeback options within their timelines, and consider contacting your provincial consumer protection office. For STC policies and customer help see their refund policy at stcusa.com/refund-policy and FAQs at stcusa.com/stcusa-faqs. If you decide to send a formal cancellation letter, consider using registered mail (in Italy “raccomandata con ricevuta di ritorno”) to STC’s official address and keep the receipt.
STC International Srl, Via Galileo Galilei, 73/75, 10040 Leinì (TO), Italy
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Written by Mia Walker
Postclic editor · 4 years experience
Editor at Postclic for 4 years, I turn complex registered electronic mail procedures into clear, actionable English.